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Florida Transfer Tax Calculator
Updated October 21, 2026
Florida transfer tax = $0.70 per $100 of the sale price (deed documentary stamp tax), or $0.60 per $100 plus a $0.45 surtax on non-single-family property in Miami-Dade. A $400,000 sale outside Miami-Dade owes $2,800. The seller usually pays.
Florida transfer tax calculator
Doc stamp tax is charged on each $100 or portion of $100, so the price is rounded up to the next $100 first. The mortgage taxes apply only when the buyer records a new mortgage. Estimates only; your closing agent’s figures control.
What is the transfer tax in Florida?
Florida’s real estate transfer tax is the documentary stamp tax on deeds. The rate is $0.70 per $100 of the price (consideration) in every county except Miami-Dade (s. 201.02(1)(a), F.S.). Miami-Dade charges $0.60 per $100 plus a $0.45 per $100 surtax, and the surtax doesn’t apply when the deed transfers only a single-family dwelling (s. 201.031, F.S.).
Consideration includes the money paid and any mortgage or other lien the property stays subject to, whether or not the buyer assumes the debt.
Worked example 1: a $400,000 home in Orange County: $400,000 ÷ $100 = 4,000 × $0.70 = $2,800 (0.70% of the price).
Worked example 2: a $350,000 condo in Miami-Dade: 3,500 × $0.60 = $2,100, plus the surtax 3,500 × $0.45 = $1,575, for $3,675 (1.05%). If it were a single-family house, the tax would be just $2,100.
Rounding: a $250,050 sale is 2,500.5 hundreds, which rounds up to 2,501 × $0.70 = $1,750.70.
Who pays transfer tax in Florida?
Florida law doesn’t say which party pays the deed doc stamps; your purchase contract does. By custom in most of Florida the seller pays the deed stamps, and the buyer pays the doc stamps on the new mortgage note ($0.35 per $100, s. 201.08, F.S.) and the nonrecurring intangible tax on the mortgage (0.2%, s. 199.133, F.S.). Customs differ in some areas and every item is negotiable, so check the contract.
| Tax | Rate | Usually paid by |
|---|---|---|
| Deed doc stamps (all counties but Miami-Dade) | $0.70 per $100 | Seller |
| Deed doc stamps, Miami-Dade | $0.60 per $100 | Seller (check contract) |
| Miami-Dade surtax (not single-family) | $0.45 per $100 | Seller (check contract) |
| Doc stamps on a new mortgage note | $0.35 per $100 | Buyer |
| Intangible tax on a new mortgage | 0.2% | Buyer |
Common exemptions
- Transfers of the marital home between spouses or ex-spouses as part of a divorce (s. 201.02(7)(a)).
- Homestead transfers between spouses when the only consideration is the existing mortgage (s. 201.02(7)(b)).
The tax is based on consideration, so gifts and other unusual transfers can be taxed differently; ask a Florida attorney or title agent about your situation.
For the full picture, including title insurance and recording fees, use the Florida closing cost calculator or the seller net sheet.
Rates as of October 21, 2026, from s. 201.02, F.S. (2026), s. 201.031, s. 201.08, s. 199.133 and the Florida Department of Revenue documentary stamp tax page. Who-pays customs are general practice, not law. Estimates only.
FAQ
What is the transfer tax in Florida?
Florida’s transfer tax is the documentary stamp tax on deeds: $0.70 per $100 of the sale price in every county except Miami-Dade, which charges $0.60 per $100 plus a $0.45 surtax unless the property is a single-family dwelling.
Who pays transfer tax in Florida?
The purchase contract decides. By custom the seller usually pays the deed doc stamps, and the buyer pays the doc stamps and intangible tax on a new mortgage.
How much is the transfer tax on a $300,000 house in Florida?
$2,100 outside Miami-Dade (3,000 × $0.70). In Miami-Dade a single-family house is $1,800; other property types add the $1,350 surtax, for $3,150.
Is Florida doc stamp tax rounded?
Yes. The tax is charged on each $100 or portion of $100, so the price is rounded up to the next $100 before multiplying.
Is there a transfer tax on a refinance in Florida?
No deed is transferred in a refinance, so there are no deed stamps. The new mortgage note can owe doc stamps ($0.35 per $100) and intangible tax (0.2%), though renewals of an existing note can be exempt in part (s. 201.09, F.S.); ask your title company.